i need to make a payment for legacy visa what can i do

I was recently contacted by a US Investigations of New Jersey for a way past due payday loan. They haved threatened to file all kinds of charges against me. They also said they are going to download a file to Tennessee so the local police can arrest me. I am so scared and I don't have the 500 dollars they are asking me for. What should I do?

is it possible to just send the companies a desist letter on ach deposits without closing your account or does your bank account have to be closed? i have direct deposit and several checks out that i don't want to bounce.

A law practice that size I think its safe to say they must enroll 300 clients per month ....lets see thats 4800 clients signing with them over a years time ..... then there are you few. As with any business there will always be some unfortunate soul who is dissatisfied. You know what I am talking about....customer complaints are found in any type of business, examples are furniture Stores, Auto Dealerships. Thats why there are so many employed as customer service representatives. My advice to any one looking for help is to seek it. Your best defense is knowledge.

does consolidating your debt have any affect on your credit??

Ok I closed my checking account not in time for them to take out $494 but I have enough to live til my next check. I opened a new one. Now what do I do? Will they start calling? I did email one yesterday and told them that payday loans are illegal in MA and have not heard back. Should I send a letter to all of them now? Can they garnish your paychecks?? Here is the loan information: ameriloan ($300) Paid 270.00 United Cash Loans ($300) Paid 270.00 Second Wallet ($250) Paid 225.00 Apollo ($300) Paid 180.00 Arrowhead ($300) Paid 180.00 9Total Lending ($300) Paid 180.00

I am going through a divorce and was working part time for a few months for being hospitalized for depression. I started getting payday loans to try to make up the difference in pay, but that was a very bad decision. Once I started working full time a gain ( I receive one full pay check) I started being garnished for hospital bills and other bills I accrued through my marriage.I now have 4 payday loans that I am paying tons of money because I keep renewing them trying to caught back up, but it never seems to end.

We own our home, well paying on it. We just recovered from a mistake I made last year that almost cost us our house. We are doing okay now but I keep thinking about consolidating our loans. We owe about 12K through a bank. I know we have some equity in our house so I don't think that the mortgage payment would go up much unless the percent is higher. Would it be a smart idea to refinance our mortgage and tack on our bank loan? Would we be able to write off all of the mortgage at tax time even though it isn't all mortgage?

I went to the bank to close my account but because I have a loan there they wouldn't close it but told me they would not allow anymore ACH withdrawals but now they charge me 25.00 NSF for them they have me in the red 1500.00 in overdraft fees can someone help me I have changed banks......